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Ziidi Trader: How M-PESA Share Trading Works and What to Check

Kelvin Kibet

Updated October 9, 2026

Ziidi Trader is a Safaricom and Nairobi Securities Exchange service that lets customers buy and sell NSE-listed shares through the M-PESA app. It is a share-trading service, not the Ziidi Money Market Fund (MMF): share prices can rise or fall, while a money market fund invests in a portfolio of short-term instruments under a different product structure.

How the service works

At launch in February 2026, Safaricom described Ziidi Trader as an in-app route to trade listed shares, developed with the NSE and operating under capital-markets oversight. Customers place buy or sell orders through the app. A trade is not a guaranteed return: execution depends on the order and market conditions, and the value of shares can go down as well as up.

Use the official access route

Safaricom has warned about websites impersonating Ziidi Trader. Its official service is accessed through Safaricom’s My OneApp, under Financial Services. Do not enter your M-PESA PIN or identity details into a website or message link claiming to be an alternate Ziidi Trader portal. Open the app directly and verify that the service is available there.

What to check before confirming an order

  • Confirm the listed company, share quantity and order price before submitting.
  • Review the fee and total amount shown in the app; do not assume a headline share price is the full cost.
  • Read the current product terms, including how orders, settlement, holdings and complaints are handled.
  • Only invest money you can afford to leave invested or lose; a share price is not guaranteed to recover after a fall.
  • Keep your PIN and one-time codes private. Use the official app and contact Safaricom through its published support channels if something looks wrong.

Ziidi Trader and Ziidi MMF are different

The similar names can be confusing. Ziidi Trader is for buying and selling shares listed on the NSE. Ziidi MMF is a collective investment scheme. They have different investments, risks, fees and terms, so check the exact product name in the app and read the relevant product documents before putting in money.

Sources and investor information

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Kelvin Kibet

Kelvin Kibet is a journalist and multimedia professional with more than six years of experience in journalism, digital media, content production, and newsroom operations.As Editor-in-Chief of Daily Report KE, Kelvin provides editorial leadership and oversees the quality, accuracy, and integrity of the platform's published content. He works with the editorial team to ensure that stories are properly reviewed, fact-checked, contextualized, and presented in accordance with professional journalistic standards.His responsibilities include supervising reporting processes, coordinating newsroom operations, reviewing stories before publication, strengthening editorial procedures, and maintaining standards of accuracy, fairness, and responsible journalism.Kelvin has experience in news reporting, digital journalism, multimedia storytelling, video production, community journalism, and editorial management. He is committed to producing informative, accurate, and public-interest content for Daily Report KE's readers.Areas of Expertise News Reporting Digital Journalism Multimedia Storytelling Investigative Reporting Community Journalism Editorial Management Video Production Content Production Key Responsibilities Editorial leadership and oversight Story review and publishing standards Fact-checking and verification Newsroom coordination Editorial planning and content development Newsroom ethics and quality control Maintaining accuracy and responsible journalism

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